Your TSP, pension, and Social Security — projected together and built on real federal rules. Free, private, and no account to create.
TSP Lab puts your whole federal picture in one place — and helps you truly understand it, not just read a number. Most calculators do one piece; this connects them all, with the real dollars.
See your TSP grow to retirement with agency match, contribution caps, Roth vs. traditional, loans, and RMDs — all on the 2026 limits.
Roth conversions, a PCS move, a military buyback, divorce, an early separation, Social Security timing — see the lifetime impact before you decide.
FERS, CSRS, and military retirement computed with the true formulas — high-3, the 1.1% factor, special-category rules, sick-leave credit, and the FERS supplement.
A move changes everything. See the locality-pay and state-tax swing between duty stations — the difference a "no income tax" state really makes.
Active, Reserve, and Guard — drill pay, the points-based age-60 retirement, BRS vs. Legacy, and buying back military time toward a federal pension.
One clear score, your gaps to close, and the year you can actually retire on your income goal — with a probability range, not false certainty.
Everyone shows you a pension estimate. Almost no one lets you study the funds and test a strategy against real history — before you move a dollar.
Compose your own fund moves across the G, F, C, S, I, and Lifecycle funds — then see how that strategy would actually have played out against real market history. Backtest before you commit.
See exactly which TSP fund led — day by day, across any window you pick — plus a calendar of real historical returns. Leadership shifts over time, and now you can see it, not guess it.
Your system (FERS, CSRS, military), grade or rank, service years, and TSP balance. No account, no email — it lives on your device.
Your projected pension, TSP, Social Security, and net worth to retirement — with a readiness score and the gaps to close.
Test a move, a Roth conversion, an earlier retirement — and watch the real lifetime numbers change before you commit.
No spreadsheets. No jargon walls. Just your federal retirement, shown the way it should be.
If your retirement runs on FERS, CSRS, the TSP, or military time — this was made for you.
TSP Lab runs entirely on your device. There's no account to create, nothing to sign in to, and your financial details are never sent to a server, sold, or handed to an advisor waiting to call you. Just the math — private, and yours.
Yes. The tool is free to use, with no account and no sign-up. We built it to be the honest front door for federal retirement planning — not a lead form for someone to sell you an annuity.
Every calculation is built from the actual federal rules — OPM for FERS/CSRS, DFAS for military pay, IRS and tsp.gov for TSP limits and taxes — and checked against those sources. It's a planning projection, not a guarantee, and it's clear about its assumptions.
No. Your inputs stay on your own device (in your browser's local storage). Nothing is uploaded to a server, and there's no third-party tracking on the app.
FERS, CSRS, and CSRS Offset; military BRS and Legacy High-3; Active, Reserve, and Guard; and special-category service (Law Enforcement, Firefighter, Air Traffic Control). Mixed careers — like military-to-federal — are supported too.
No. TSP Lab is an educational planning tool that shows you the numbers. It doesn't recommend products or tell you what to do — that's your call, ideally with a fiduciary you trust.
No app store, no download. Save TSP Lab to your phone in a few taps and it opens full-screen, just like a regular app.
A few minutes, no account, and your real federal retirement picture — pension, TSP, and all.
Open TSP Lab →